INDIANA PAWNBROKERS ASSOCATION INC (EIN 454974216) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2012

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

INDIANA PAWNBROKERS ASSOCATION INC, founded in 2012, is a micro nonprofit in the Community Improvement sector that reported $75K in total revenue in fiscal year 2023. Revenue fell 50% from the prior year — a significant decline worth monitoring.

Mission

TO PROMOTE THE COMMON INTERESTS OF THE PAWNBROKING INDUSTRY IN INDIANA. THE ORGANIZATION IS COMMITTED TO IMPROVING PAWNBROKER BUSINESS CONDITIONS, PROMOTING HIGHER BUSINESS STANDARDS AND BETTER BUSINESS METHODS AND SUPPORTING THE INDUSTRY THROUGH EDUCATION

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $22,517

Program Service Revenue $52,345

Investment Income $0

Other Revenue $0

TOTAL REVENUE $74,862

Expense Breakdown

Grants Paid $0

Salaries & Benefits $45,688

Fundraising Expenses $0

Program Expenses $24,380

Other Expenses $29,809

TOTAL EXPENSES $75,497

Year-over-Year Comparison

	2023	2022	Change
Revenue	$74,862	$148,427	-0.5%
Expenses	$75,497	$163,199	-0.5%
Net Income	$-635	$-14,772	-1.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$21,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
GREGORY ENGSTROM	EXECUTIVE DIRECTOR	Officer	$21,000	$0	$21,000
SCOTT BROWN	BOARD MEMBER	Director	$0	$0	$0
RACHAEL GOLDMAN	BOARD MEMBER	Director	$0	$0	$0
DEB USELTON	BOARD MEMBER	Director	$0	$0	$0
RANDY RAMSEY	BOARD MEMBER	Director	$0	$0	$0
RIC BARR	PRESIDENT	Officer	$0	$0	$0
CHRISTINE KING	VPTREASURER	Key Emp	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2023	$74,862	$75,497	$53,010	$-635
2022	$148,427	$163,199	$54,787	$-14,772
2021	$153,672	$159,694	$69,559	$-6,022
2020	$144,966	$186,424	$104,663	$-41,458

INDIANA PAWNBROKERS ASSOCATION INC